Which SD Memory Card to Get for the FujiFilm XP130 and XP120 Waterproof Cameras?

Here are some practical recommendations on SD memory cards that work well in the FujiFilm Finepix XP130 and XP120 waterproof adventure cameras.

In their basic configurations, the FujiFilm Finepix XP120 and XP130 waterproof cameras don’t come with a memory card. Some retailers put together bundles with a few accessories to make the purchase more attractive. If you’re buying a bundle that includes a memory card, you’re all set. But chances are you’ll need to pick up an SD card separately before you get shooting.

To make it easier to know which memory cards work well in the XP120 and XP130, here’s a quick rundown of what specs to look for, along with some practical recommendations on specific cards. I’ve taken FujiFilm’s official guidance and combined it with my own experience with testing SD cards and shooting with these camera models.

The short version is that you don’t need a particularly fancy SD card for the XP120 or XP130. It’s not especially demanding of memory card speed by today’s standard, so you don’t need the latest and greatest (or the most expensive).

Quick Recommendations on SD Cards for the FujiFilm XP130 and XP120

If you’re just wanting the quick version, here are a few good options. I’ve found these to work well, to be readily available at major retailers, and to be cost-effective.

More Detailed Recommendations on SD Cards for the FujiFilm XP120 and XP130 Cameras

First, the basics. Both the XP120 and XP130 take SD cards. And they take one card at a time.

Making Sense of the SD Card Specifications

You’ll find a range of different acronyms and codes on SD cards. Here’s a quick overview of which ones to look for.

These cameras will work with both SDHC and SDXC cards (and, for that matter, just plain SD cards, but they’re hard to find these days). The difference between those two specifications is in the filesystem they’re formatted with–the SDHC specification uses FAT32 formatting, while the SDXC specification uses exFAT–but when it comes to buying memory cards, the practical difference is that cards 32GB and smaller will be labeled SDHC and cards 64GB and larger will be labeled SDXC.

There’s really no right answer when it comes to what size to get–it’s mostly a matter of convenience so that you don’t keep running out of space. As is probably obvious, you can fit twice as many photos on a 64GB card as on a 32GB card. And that’s handy when you’re traveling. The most logical sizes for this camera in terms of convenience and price are probably the 32GB or 64GB sizes. But if you want to use a larger or smaller one, say 128GB or 16GB, go right ahead–they’ll work just fine.1

Regarding speed, the XP120 and XP130 aren’t especially demanding. The camera uses it’s built-in temporary memory when you’re shooting in burst mode, so that’s not much of an issue. And even when shooting video, the bitrates of the video modes are relatively low (I have more details on this below). So you don’t need to go for a super-fast SD card. You can use one if you like, but the camera won’t perform any better with it.2 In terms of those marking on the cards, it makes sense to aim for Class 10 or U1. You can get away with slower if you’re not shooting video, but because SD card technology is constantly improving, it’s actually becoming hard to find new cards for sale that are slower than class 10 and because of the way the market works they probably won’t be any less expensive anyway.

Practical Recommendations on SD Cards for the FujiFilm XP120 and XP130 Cameras

With that said, here are some practical recommendations. They’re based on a combination of FujiFilm’s official guidance and my own SD card tests. It’s not designed to be a comprehensive list–there are plenty of other SD cards that will also work well–but these are ones that are a combination of reliable, readily available, cost-effective, and work well in the XP120 and XP130 cameras.

These aren't necessarily the fastest SD cards on the market, but they're fast enough for this camera. It's also not designed to be a comprehensive list of every SD card that will work.

My emphasis here is on cards that meet these criteria: fast enough for all the features of this camera; from a reputable and reliable brand; readily available at retailers; and good value for money. If you want to use a faster, fancier card you can, but you won't see any extra benefit in doing so while you're operating the camera (but you might see some faster speeds when downloading the photos to a computer, depending on your computer and memory card reader combination).

SanDisk Extreme U3 UHS-I

The SanDisk Extreme line is a good option when the emphasis is on video recording. They have faster write speeds than SanDisk's Ultra line but still make for good value without getting in the faster (and more expensive) Extreme Plus and Extreme Pro models.

SanDisk recycles its model names. This latest version of the Extreme card is rated for V30/U3 for video recording and uses a UHS-I interface. It's faster than this camera technically needs, but because the Extreme line is so popular, they're generally easy to find and competitively priced.

It comes in sizes ranging from 16GB through 256GB.

Buy at Amazon or B&H Photo.

Lexar 633x U1 UHS-I

The Lexar 633x range has been one of the mainstays of Lexar's SD cards for a while now. There are now faster cards available, but this one is again fast enough for this camera while also representing good value for money.

One distinctive thing about this range is that they're available from 16GB up through a whopping 512GB.

Buy at Amazon.

PNY Elite Performance U3 UHS-I

PNY as a brand isn't as well known as some others, but they've been around a long time and make very good memory cards that are usually very competitively priced and good value.

This particular model is available in sizes ranging from 32GB through 512GB.

Buy at Amazon or B&H Photo.

Delkin Devices Advantage V30 UHS-I

Delkin Devices have been around for a long time but have been relatively quiet in recent years. But they're freshed their entire lineup of cards recently to simplify the range and bring the cards up to current specs.

The Advantage card is rated to V30 and has a UHS-I interface. It currently comes in sizes up to 512GB.

Buy at Amazon or B&H Photo.

Transcend V30 UHS-I

Transcend isn't as well known as SanDisk or Lexar, but they've been making solid, reliable memory cards for a long while now and their SD cards are often competitively priced.

This particular card is faster than this camera needs, but it is still a good option. It's available in sizes from 64GB up through 256GB.

Buy at Amazon.

Sony U3 UHS-I

Though not always as readily available as some other brands, Sony memory cards are very good, which won't come as much of a surprise.

This particular card is available in sizes from 16GB through 256GB.

Buy at Amazon or B&H Photo.

Kingston U1 UHS-I

Kingston is another brand that isn't as well known as some of the others, but they've been making reliable memory cards for a very long time. As a brand, they don't tend to focus on the cutting edge speeds but rather on reliable and good-value memory cards.

This particular card (model SDS2 Canvas Select) isn't the fastest in Kingston's range, but it's fast enough to work well in this camera. It's available in sizes from 16GB through 128GB.

Buy at Amazon.

Other Brands

There are also a lot of smaller, mostly unknown brands. In general, I'd recommend sticking to a brand you know and trust or one of the brands I've mentioned on this page because they have well-established reputations for putting out high-quality cards. Some of the other lesser-known brands might work, but they also might not be all they claim to be. The ones above should give a good selection of ones you can find fairly easily at retailers near you.

Faster Cards

If you're looking to use a faster card, take a look at the ones that I've subjected to my independent SD card speed tests.

Video Bitrates on the FujiFilm XP120 and XP130

The top video mode on the XP120 and XP130 is 1080p60. It records with variable compression encoding that averages a little under 15 Mbps (megabits per second). Compared to many other cameras on the market now, that’s quite low. It means that the stream of data that needs to be written to the memory card while recording video is relatively gentle. What that means for choosing an SD card is that you don’t need one that’s especially fast.

Here’s a quick rundown of the approximate bitrates used for recording video on the XP120.

Mode Bitrate Mbps
1080p60 15
1080p30 15
720p60 13
480p30 3
480p120 2
240p240 0.5
120p30 0.4

How Many Photos from the XP120 and XP130 Can You Fit on a Memory Card?

These are calculated from the figures FujiFilm provides in the manual. It’s important to note, though, that they’re approximations. Because of the way JPG image compression works, the final filesizes will vary image to image, depending on things like the detail and tonal complexity of the image. So while these are useful guides, it’s worth leaving yourself some wiggle room if you plan to cut things fine.

Image Size Quality Setting Aspect Ratio 4GB 8GB 16GB 32GB 64GB 128GB
Large Fine 4:3 460 940 1,880 3,760 7,520 15,040
3:2 520 1,050 2,100 4,200 8,400 16,800
16:9 620 1,250 2,500 5,000 10,000 20,000
1:1 620 1,250 2,500 5,000 10,000 20,000
Normal 4:3 930 1,860 3,720 7,440 14,880 29,760
3:2 1,040 2,090 4,180 8,360 16,720 33,440
16:9 1,230 2,470 4,940 9,880 19,760 39,520
1:1 1,230 2,470 4,940 9,880 19,760 39,520
Medium Fine 4:3 920 2,860 5,720 11,440 22,880 45,760
3:2 1,040 2,090 4,180 8,360 16,720 33,440
16:9 1,220 2,460 4,920 9,840 19,680 39,360
1:1 1,240 2,500 5,000 10,000 20,000 40,000
Normal 4:3 1,820 3,660 7,320 14,640 29,280 58,560
3:2 2,040 4,110 8,220 16,440 32,880 65,760
16:9 2,400 4,830 9,660 19,320 38,640 77,280
1:1 2,400 4,900 9,800 19,600 39,200 78,400
Small Fine 4:3 2,300 4,620 9,240 18,480 36,960 73,920
3:2 2,050 4,120 8,240 16,480 32,960 65,920
16:9 3,420 6,870 13,740 27,480 54,960 109,920
1:1 2,420 4,850 9,700 19,400 38,800 77,600
Normal 4:3 3,380 6,800 13,600 27,200 54,400 108,800
3:2 3,030 6,080 12,160 24,320 48,640 97,280
16:9 4,990 1,020 2,040 4,080 8,160 16,320
1:1 3,550 7,140 14,280 28,560 57,120 114,240

How Much Video Footage from the XP130 and XP120 Will Fit on a Memory Card?

These are again calculated on the figures given in the manual. The durations are given in the HH:MM format (ie. hours and minutes).

Resoluton and Framerate 4GB 8GB 16GB 32GB 64GB 128GB
1080p60 0:36 1:13 2:26 4:52 9:44 19:28
1080p30 0:36 1:13 2:26 4:52 9:44 19:28
720p60 0:40 1:21 2:42 5:24 10:48 21:36
480p30 3:08 6:18 12:36 25:12 50:24 100:48
480p120 1:04 2:08 4:16 8:32 17:04 34:08
240p240 2:07 4:15 8:30 17:00 34:00 68:00
120p320 2:21 4:45 9:30 19:00 38:00 76:00

To clarify, the durations in the table above are cumulative totals referring to storage space. It’s not the same thing as how long you can record individual video clips for. Here are the maximum times for individual clips in the various modes on the XP120 and XP130:

Mode Max Duration
1080p60 29 mins
1080p30 29 mins
720p60 29 mins
480p30 120 mins
480p120 30 secs
240p240 30 secs
120p320 30 secs

How to Recover Photos if You’ve Accidentally Deleted Them

If you format the card before you’ve backed up the photos from it, it might still be possible to recover them. To do that you’ll need to fire up the computer–it’s not something that you can do in the camera. I’ve put together an overview on how to recover deleted photos from an SD card.

How to Format SD Cards with a Computer

It’s always best practice to format memory cards in the camera you’re going to use them in, but if that’s not possible or not what you want to do, you can also format cards using a computer. But there are some things to know when formatting SD cards to minimize the risks of your camera having problems with them. So I’ve put together guides on how to format SD cards on Mac and how to use the free SD Card Formatter app for Windows or Mac.

Popular Accessories for the FujiFilm XP120 and XP130

Here are some of the popular accessories if you’re looking to kit out your XP130 or XP120.


  1. As a technical matter, the XP120 and XP130 will work fine with even smaller cards, all the way down to 512MB. But it’s hard to find SD cards commonly available less than 16GB these days.
  2. You might see quicker downloading from the memory card to your computer with a fast SD card, depending on your setup, but you won’t see any real difference in the camera.

Images and product information from Amazon PA-API were last updated on 2020-07-04 at 10:59. Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon Site at the time of purchase will apply to the purchase of this product.

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